New Car Insurance Dilemna

Skillmister

Skillmister

Skillmister

Soldato
Joined
3 Oct 2009
Posts
19,893
Location
Wales
I have a slight issue with timing between when it comes to planning (and potentially needing) to buy new car and when my insurance renewal comes around.

Background:

Passed my test on 9 September 2015
Bought, insured and taxed my current car (Corsa B) on 15 September 2015
Said Corsa was MOTd on 19 August 2015 thus expires in 2 weeks time

It's unlikely my Corsa will pass its MOT without needing money spent on it, not sure how much, but some. It may also fail spectacularly and be better off on the scrap heap! :D

I am replacing the Corsa with a Clio 182 regardless of whether or not my Corsa passes its MOT but obviously, I don't want to go spending huge amounts on the Corsa only to sell it weeks later. It will be worth more with an MOT than not but we're hardly talking much either way :p

The annoying part is that to an insure a 182 now will cost, at best, £1400.

After I've had my licence a year it will be £750.

After I've had my licence a year and have 1 years NCD it will be just over £600.

The point:

I'd be happy to buy the Clio now and pay the equivalent monthly difference in insurance (say £100 to cover Aug-Sep - the same money I'd end up throwing at the Corsa anyway) if I were then able to reduce the policy when I get my 1 year/NCD but as far as I know that wouldn't be possible without losing NCD?

Plus if I were to change cars and policies now I'd also not actually get my first years NCD?

I'd normally pay the policy annually but if the above is possible i'd pay it monthly.

Am I stuck forking out whether needs paying to keep driving my Corsa for an extra few weeks or is there a way around it, keeping NCD etc?
 
Am I missing something here?

Ring current insurer, change car.

Once your year has finished (in a month's time?) You'll (hopefully) have your 1 year NCB as the insurance policy continued regardless of which car it was for. You can then change insurers for the best deal available.
 
As above, call your insurance and change the car, they'll charge you the extra to insure for the remainder of your policy. Then at renewal time, change provider.
 
paradigm said:
You'll (hopefully) have your 1 year NCB as the insurance policy continued regardless of which car it was for
Click to expand...

That's the issue, I'm sure I read on here the other day people were saying they didn't get the no claims as they had changed car mid policy? Or was that because of changing car and provider? Obviously I'd prefer not to miss out on my first years no claims if possible!

I will speak to my insurer although they do come up on compare the market as not providing cover for a 182
 
Skillmister said:
That's the issue, I'm sure I read on here the other day people were saying they didn't get the no claims as they had changed car mid policy? Or was that because of changing car and provider? Obviously I'd prefer not to miss out on my first years no claims if possible!

I will speak to my insurer although they do come up on compare the market as not providing cover for a 182
Click to expand...

No claims has got nothing to do with your car, so changing it will have no impact on your NCB.
 
If you sign up to the cliosport forum, Greenlight, Sky, etc will give you a bit of a discount on your premium... or at least they say they do.

Make sure you declare any modications too, as very few Clio's are still completely standard. The exhaust rot and aftermarket stainless steel is cheaper than a genuine renault exhaust, also the springs tend to snap and get replaced with lowering springs.

Good choice of car for your second year of driving though, and will feel awesome compared to the corsa in every way.
 
Just called my insurers who confirmed they don't insure Clio 1*2s.

However, I have it confirmed in writing that if I were to cancel my policy now they would a) not charge me a cancellation fee because the reason for cancellation is not my fault (i.e they don't insure the car I want) and b) they would honour my 1 years no claims so long as I don't have a claim between now and when I cancel.

So.. result?




Steedie said:
Glad you'll finally have a way of getting to meets as well, no excuse now...:mad:
Click to expand...

It's a Renault, still might not make it :p
 
Check and double check the point about them honouring a full years NCD when you haven't had insurance for a full year. I find it surprising they would offer that.
 
Hades said:
Check and double check the point about them honouring a full years NCD when you haven't had insurance for a full year. I find it surprising they would offer that.
Click to expand...

Admiral were doing a 10month policy which gave you a full years NCD. I bought it twice to increase my NCD a little bit quicker.
 
They said on the phone the only reason they were offering it is because they don't insure the car I wanted to change to and am only a month from renewal. Will ensure I have it written by their CEO in blood before I do anything though :D
 
Skillmister said:
They said on the phone the only reason they were offering it is because they don't insure the car I wanted to change to and am only a month from renewal. Will ensure I have it written by their CEO in blood before I do anything though :D
Click to expand...

Might also wanna double check that it is a full years NCB that can be used with other insurers too.

Surprised they won't insure you tbh. It's only a 182 not like it's a 350z or something. My insurers changed my policy over from an old 99 fiesta finesse to a mk6.5 st and didn't bat an eye.
 
Why not just wait the week or two, gives you two weeks to sort MOT failures and the insurance will run out then insure 182 for cheap :)

As above, went from a 1.4 polo to a 2.0 16v Golf. No issues
 
You must log in or register to reply here.
Back
Top Bottom